Integration platform using hub computer

A hub computer comprising:

• a processor;
• and
• a computer readable medium, the computer readable medium comprising code, executable by the processor, for performing operations comprising:
• receiving, from a first validator system including a first validator device after a user interacts a user device comprising a credential with the first validator device to conduct a first leg of a journey, an encrypted credential and first interaction data associated with the journey, the encrypted credential being the credential that is encrypted with a first cryptographic key in a first cryptographic key pair;
• sending, to a token computer, the encrypted credential, wherein the token computer decrypts, using a second cryptographic key corresponding to the first cryptographic key in the first cryptographic key pair, the encrypted credential to obtain the credential, and exchanges the credential for a payment token, the payment token being a substitute for the credential;
• receiving, from the token computer, the payment token;
• transmitting the payment token and the first interaction data to a first ABT (account based transaction) computer, wherein the first ABT computer determines that the payment token has been verified, the payment token is not on a first deny list, and a first value associated with the first leg of the journey;
• receiving, from the first ABT computer, the first value;
• receiving, from a second validator system including a second validator device after the user interacts the user device comprising the credential with the second validator device to conduct a second leg of the journey, an encrypted credential and second interaction data associated with the journey, the encrypted credential being the credential that is encrypted with a third cryptographic key of a second cryptographic key pair;
• sending, to the token computer, the encrypted credential, wherein the token computer decrypts, using a fourth cryptographic key in the second cryptographic key pair corresponding to the third cryptographic key, the encrypted credential to obtain the credential, and exchanges the credential for the payment token;
• receiving the payment token;
• transmitting the payment token and the second interaction data to a second ABT (account based transaction) computer, wherein the second ABT computer determines that the payment token has been verified, the payment token is not on a second deny list, and a second value associated with the second leg of the journey;
• receiving, from the second ABT computer, the second value;
• providing the payment token to the token computer, wherein the token computer exchanges the payment token for the credential;
• receiving, by the hub computer, the credential;
• transmitting an authorization request message comprising the credential and a total value including the first value and the second value to an authorizing entity computer, wherein the authorizing entity computer approves or declines the authorization request message, and generates an authorization response message;
• and
• receiving the authorization response message,
• wherein in the operations, the hub computer communicates with the first validator system and the second validator system using a first set of APIs and the hub computer communicates with the first ABT computer and the second ABT computer via a second set of APIs.

A system comprising:

• a hub computer comprising
• a processor, and
• a computer readable medium, the computer readable medium comprising code, executable by the processor, for performing operations comprising,
• receiving, from a first validator system including a first validator device after a user interacts a user device comprising a credential with the first validator device to conduct a first leg of a journey, an encrypted credential and first interaction data associated with the journey, the encrypted credential being the credential that is encrypted with a first cryptographic key of a first cryptographic key pair,
• sending, to a token computer, the encrypted credential, wherein the token computer decrypts, using a second cryptographic key in the first cryptographic key pair corresponding to the first cryptographic key, the encrypted credential to obtain the credential, and exchanges the credential for a payment token, the payment token being a substitute for the credential,
• receiving, from the token computer, the payment token,
• transmitting the payment token and the first interaction data to a first ABT (account based transaction) computer, wherein the first ABT computer determines that the payment token has been verified, the payment token is not on a first deny list, and a first value associated with the first leg of the journey,
• receiving, from the first ABT computer, the first value,
• receiving, from a second validator system including a second validator device after the user interacts the user device comprising the credential with the second validator device to conduct a second leg of the journey, an encrypted credential and second interaction data associated with the journey, the encrypted credential being the credential that is encrypted with a third cryptographic key of a second cryptographic key pair,
• sending, to the token computer, the encrypted credential, wherein the token computer decrypts, using a fourth cryptographic key in the second cryptographic key pair corresponding to the third cryptographic key, the encrypted credential to obtain the credential, and exchanges the credential for the payment token,
• receiving the payment token,
• transmitting the payment token and the second interaction data to a second ABT (account based transaction) computer, wherein the second ABT computer determines that the payment token has been verified, the payment token is not on a second deny list, and a second value associated with the second leg of the journey,
• receiving, from the second ABT computer, the second value,
• providing the payment token to the token computer, wherein the token computer exchanges the payment token for the credential;
• receiving, by the hub computer, the credential;
• transmitting an authorization request message comprising the credential and a total value including the first value and the second value to an authorizing entity computer, wherein the authorizing entity computer approves or declines the authorization request message, and generates an authorization response message, and
• receiving the authorization response message,
• wherein in the operations, the hub computer communicates with the first validator system and the second validator system using a first set of APIs and the hub computer communicates with the first ABT computer and the second ABT computer via a second set of APIs;
• and
• the first validator system in communication with the hub computer.